82_FR_19269 82 FR 19190 - Suspension of Community Eligibility

82 FR 19190 - Suspension of Community Eligibility

DEPARTMENT OF HOMELAND SECURITY
Federal Emergency Management Agency

Federal Register Volume 82, Issue 79 (April 26, 2017)

Page Range19190-19191
FR Document2017-08375

This rule identifies communities where the sale of flood insurance has been authorized under the National Flood Insurance Program (NFIP) that are scheduled for suspension on the effective dates listed within this rule because of noncompliance with the floodplain management requirements of the program. If the Federal Emergency Management Agency (FEMA) receives documentation that the community has adopted the required floodplain management measures prior to the effective suspension date given in this rule, the suspension will not occur and a notice of this will be provided by publication in the Federal Register on a subsequent date. Also, information identifying the current participation status of a community can be obtained from FEMA's Community Status Book (CSB). The CSB is available at https:// www.fema.gov/national-flood-insurance-program-community-status-book.

Federal Register, Volume 82 Issue 79 (Wednesday, April 26, 2017)
[Federal Register Volume 82, Number 79 (Wednesday, April 26, 2017)]
[Rules and Regulations]
[Pages 19190-19191]
From the Federal Register Online  [www.thefederalregister.org]
[FR Doc No: 2017-08375]


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DEPARTMENT OF HOMELAND SECURITY

Federal Emergency Management Agency

44 CFR Part 64

[Docket ID FEMA-2017-0002; Internal Agency Docket No. FEMA-8475]


Suspension of Community Eligibility

AGENCY: Federal Emergency Management Agency, DHS.

ACTION: Final rule.

-----------------------------------------------------------------------

SUMMARY: This rule identifies communities where the sale of flood 
insurance has been authorized under the National Flood Insurance 
Program (NFIP) that are scheduled for suspension on the effective dates 
listed within this rule because of noncompliance with the floodplain 
management requirements of the program. If the Federal Emergency 
Management Agency (FEMA) receives documentation that the community has 
adopted the required floodplain management measures prior to the 
effective suspension date given in this rule, the suspension will not 
occur and a notice of this will be provided by publication in the 
Federal Register on a subsequent date. Also, information identifying 
the current participation status of a community can be obtained from 
FEMA's Community Status Book (CSB). The CSB is available at https://www.fema.gov/national-flood-insurance-program-community-status-book.

DATES: The effective date of each community's scheduled suspension is 
the third date (``Susp.'') listed in the third column of the following 
tables.

FOR FURTHER INFORMATION CONTACT: If you want to determine whether a 
particular community was suspended on the suspension date or for 
further information, contact Patricia Suber, Federal Insurance and 
Mitigation Administration, Federal Emergency Management Agency, 400 C 
Street SW., Washington, DC 20472, (202) 646-4149.

SUPPLEMENTARY INFORMATION: The NFIP enables property owners to purchase 
Federal flood insurance that is not otherwise generally available from 
private insurers. In return, communities agree to adopt and administer 
local floodplain management measures aimed at protecting lives and new 
construction from future flooding. Section 1315 of the National Flood 
Insurance Act of 1968, as amended, 42 U.S.C. 4022, prohibits the sale 
of NFIP flood insurance unless an appropriate public body adopts 
adequate floodplain management measures with effective enforcement 
measures. The communities listed in this document no longer meet that 
statutory requirement for compliance with program regulations, 44 CFR 
part 59. Accordingly, the communities will be suspended on the 
effective date in the third column. As of that date, flood insurance 
will no longer be available in the community. We recognize that some of 
these communities may adopt and submit the required documentation of 
legally enforceable floodplain management measures after this rule is 
published but prior to the actual suspension date. These communities 
will not be suspended and will continue to be eligible for the sale of 
NFIP flood insurance. A notice withdrawing the suspension of such 
communities will be published in the Federal Register.
    In addition, FEMA publishes a Flood Insurance Rate Map (FIRM) that 
identifies the Special Flood Hazard Areas (SFHAs) in these communities. 
The date of the FIRM, if one has been published, is indicated in the 
fourth column of the table. No direct Federal financial assistance 
(except assistance pursuant to the Robert T. Stafford Disaster Relief 
and Emergency Assistance Act not in connection with a flood) may be 
provided for construction or acquisition of buildings in identified 
SFHAs for communities not participating in the NFIP and identified for 
more than a year on FEMA's initial FIRM for the community as having 
flood-prone areas (section 202(a) of the Flood Disaster Protection Act 
of 1973, 42 U.S.C. 4106(a), as amended). This prohibition against 
certain types of Federal assistance becomes effective for the 
communities listed on the date shown in the last column. The 
Administrator finds that notice and public comment procedures under 5 
U.S.C. 553(b), are impracticable and unnecessary because communities 
listed in this final rule have been adequately notified.
    Each community receives 6-month, 90-day, and 30-day notification 
letters addressed to the Chief Executive Officer stating that the 
community will be suspended unless the required floodplain management 
measures are met prior to the effective suspension date. Since these 
notifications were made, this final rule may take effect within less 
than 30 days.
    National Environmental Policy Act. FEMA has determined that the 
community suspension(s) included in this rule is a non-discretionary 
action and therefore the National Environmental Policy Act of 1969 (42 
U.S.C. 4321 et seq.) does not apply.
    Regulatory Flexibility Act. The Administrator has determined that 
this rule is exempt from the requirements of the Regulatory Flexibility 
Act because the National Flood Insurance Act of 1968, as amended, 
Section 1315, 42 U.S.C. 4022, prohibits flood insurance coverage unless 
an appropriate public body adopts adequate floodplain management 
measures with effective enforcement measures. The communities listed no 
longer comply with the statutory requirements, and after the effective 
date, flood insurance will no longer be available in the communities 
unless remedial action takes place.
    Regulatory Classification. This final rule is not a significant 
regulatory action under the criteria of section 3(f) of

[[Page 19191]]

Executive Order 12866 of September 30, 1993, Regulatory Planning and 
Review, 58 FR 51735.
    Executive Order 13132, Federalism. This rule involves no policies 
that have federalism implications under Executive Order 13132.
    Executive Order 12988, Civil Justice Reform. This rule meets the 
applicable standards of Executive Order 12988.
    Paperwork Reduction Act. This rule does not involve any collection 
of information for purposes of the Paperwork Reduction Act, 44 U.S.C. 
3501 et seq.

List of Subjects in 44 CFR Part 64

    Flood insurance, Floodplains.

    Accordingly, 44 CFR part 64 is amended as follows:

PART 64--[AMENDED]

0
1. The authority citation for part 64 continues to read as follows:

    Authority: 42 U.S.C. 4001 et seq.; Reorganization Plan No. 3 of 
1978, 3 CFR, 1978 Comp.; p. 329; E.O. 12127, 44 FR 19367, 3 CFR, 
1979 Comp.; p. 376.


Sec.  64.6  [Amended]

0
2. The tables published under the authority of Sec.  64.6 are amended 
as follows:

----------------------------------------------------------------------------------------------------------------
                                                 Effective date
                                                 authorization/
                                   Community    cancellation of    Current effective map   Date certain federal
       State and location             No.        sale of flood             date            assistance no longer
                                                  insurance in                              available in SFHAs
                                                   community
----------------------------------------------------------------------------------------------------------------
            Region V
 
Minnesota:
    Badger, City of, Roseau            270412  April 22, 1975,    April 19, 2017........  April 19, 2017.
     County.                                    Emerg; June 8,
                                                1984, Reg; April
                                                19, 2017, Susp..
    Chatfield, City of,                270125  April 15, 1982,    ......do..............   Do.
     Fillmore and Olmsted                       Emerg; August 2,
     Counties.                                  1982, Reg; April
                                                19, 2017, Susp..
    Dover, City of, Olmsted            270566  March 15, 1982,    ......do..............   Do.
     County.                                    Emerg; April 15,
                                                1982, Reg; April
                                                19, 2017, Susp..
    Eyota, City of, Olmsted            270329  December 3, 1981,  ......do..............   Do.
     County.                                    Emerg; December
                                                15, 1981, Reg;
                                                April 19, 2017,
                                                Susp..
    Olmsted County,                    270626  April 17, 1984,    ......do..............   Do.
     Unincorporated Areas.                      Emerg; May 19,
                                                1981, Reg; April
                                                19, 2017, Susp..
    Oronoco, City of, Olmsted          270330  July 3, 1974,      ......do..............   Do.
     County.                                    Emerg; November
                                                4, 1981, Reg;
                                                April 19, 2017,
                                                Susp..
    Pine Island, City of,              270145  September 4,       ......do..............   Do.
     Goodhue and Olmsted                        1974, Emerg;
     Counties.                                  March 2, 1981,
                                                Reg; April 19,
                                                2017, Susp..
    Rochester, City of, Olmsted        275246  April 3, 1970,     ......do..............   Do.
     County.                                    Emerg; March 26,
                                                1971, Reg; April
                                                19, 2017, Susp..
    Roseau, City of, Roseau            270414  April 26, 1974,    ......do..............   Do.
     County.                                    Emerg; September
                                                29, 1978, Reg;
                                                April 19, 2017,
                                                Susp..
    Roseau County,                     270633  April 26, 1974,    ......do..............   Do.
     Unincorporated Areas.                      Emerg; January
                                                2, 1980, Reg;
                                                April 19, 2017,
                                                Susp..
    Stewartville, City of,             270332  May 7, 1975,       ......do..............   Do.
     Olmsted County.                            Emerg; September
                                                2, 1982, Reg;
                                                April 19, 2017,
                                                Susp..
    Warroad, City of, Lake Of          270415  July 3, 1974,      ......do..............   Do.
     The Woods and Roseau                       Emerg; December
     Counties.                                  4, 1979, Reg;
                                                April 19, 2017,
                                                Susp..
 
           Region VI
 
Louisiana:
    Baldwin, Town of, St. Mary         220193  April 23, 1973,    ......do..............   Do.
     Parish.                                    Emerg; December
                                                15, 1978, Reg;
                                                April 19, 2017,
                                                Susp..
    St. Mary Parish,                   220192  April 6, 1973,     ......do..............   Do.
     Unincorporated Areas.                      Emerg; September
                                                3, 1980, Reg;
                                                April 19, 2017,
                                                Susp..
----------------------------------------------------------------------------------------------------------------
-do- =Ditto.
Code for reading third column: Emerg.--Emergency; Reg.--Regular; Susp.--Suspension.


    Dated: April 13, 2017.
Michael M. Grimm,
Assistant Administrator for Mitigation, Federal Insurance and 
Mitigation Administration, Department of Homeland Security, Federal 
Emergency Management Agency.
[FR Doc. 2017-08375 Filed 4-25-17; 8:45 am]
BILLING CODE 9110-12-P



                                                19190            Federal Register / Vol. 82, No. 79 / Wednesday, April 26, 2017 / Rules and Regulations

                                                   The current operating schedule as set                suspension on the effective dates listed              suspension of such communities will be
                                                out in 33 CFR 117.733(c) allows the                     within this rule because of                           published in the Federal Register.
                                                bridge to remain in the closed-to-                      noncompliance with the floodplain                        In addition, FEMA publishes a Flood
                                                navigation position from 8 a.m. on                      management requirements of the                        Insurance Rate Map (FIRM) that
                                                December 1, 2016, until 8 p.m. on                       program. If the Federal Emergency                     identifies the Special Flood Hazard
                                                March 31, 2017. Under this modified                     Management Agency (FEMA) receives                     Areas (SFHAs) in these communities.
                                                temporary deviation, the bridge will                    documentation that the community has                  The date of the FIRM, if one has been
                                                continue to remain in the closed-to-                    adopted the required floodplain                       published, is indicated in the fourth
                                                navigation position from 8 p.m. on                      management measures prior to the                      column of the table. No direct Federal
                                                March 31, 2017, to 8 p.m. on April 28,                  effective suspension date given in this               financial assistance (except assistance
                                                2017.                                                   rule, the suspension will not occur and               pursuant to the Robert T. Stafford
                                                   The Barnegat Bay on the New Jersey                   a notice of this will be provided by                  Disaster Relief and Emergency
                                                Intracoastal Waterway is used by a                      publication in the Federal Register on a              Assistance Act not in connection with a
                                                variety of vessels including small                      subsequent date. Also, information                    flood) may be provided for construction
                                                government and public vessels, small                    identifying the current participation                 or acquisition of buildings in identified
                                                commercial vessels, and recreational                    status of a community can be obtained                 SFHAs for communities not
                                                vessels. The Coast Guard has carefully                  from FEMA’s Community Status Book                     participating in the NFIP and identified
                                                considered the nature and volume of                     (CSB). The CSB is available at https://               for more than a year on FEMA’s initial
                                                vessel traffic on the waterway in                       www.fema.gov/national-flood-                          FIRM for the community as having
                                                publishing this temporary deviation.                    insurance-program-community-status-                   flood-prone areas (section 202(a) of the
                                                   Vessels able to safely pass through the              book.                                                 Flood Disaster Protection Act of 1973,
                                                bridge in the closed position may do so                 DATES: The effective date of each
                                                                                                                                                              42 U.S.C. 4106(a), as amended). This
                                                at any time. The bridge will not be able                community’s scheduled suspension is                   prohibition against certain types of
                                                to open for emergencies and there is no                 the third date (‘‘Susp.’’) listed in the              Federal assistance becomes effective for
                                                immediate alternate route for vessels to                third column of the following tables.                 the communities listed on the date
                                                pass. The Coast Guard will also inform                                                                        shown in the last column. The
                                                                                                        FOR FURTHER INFORMATION CONTACT: If
                                                the users of the waterways through our                                                                        Administrator finds that notice and
                                                                                                        you want to determine whether a
                                                Local and Broadcast Notices to Mariners                                                                       public comment procedures under 5
                                                                                                        particular community was suspended
                                                of the change in operating schedule for                                                                       U.S.C. 553(b), are impracticable and
                                                                                                        on the suspension date or for further
                                                the bridge so that vessel operators can                                                                       unnecessary because communities listed
                                                                                                        information, contact Patricia Suber,
                                                arrange their transit to minimize any                                                                         in this final rule have been adequately
                                                                                                        Federal Insurance and Mitigation
                                                impact caused by the temporary                                                                                notified.
                                                                                                        Administration, Federal Emergency                        Each community receives 6-month,
                                                deviation.                                              Management Agency, 400 C Street SW.,
                                                   In accordance with 33 CFR 117.35(e),                                                                       90-day, and 30-day notification letters
                                                                                                        Washington, DC 20472, (202) 646–4149.                 addressed to the Chief Executive Officer
                                                the drawbridge must return to its regular
                                                                                                        SUPPLEMENTARY INFORMATION: The NFIP                   stating that the community will be
                                                operating schedule immediately at the
                                                                                                        enables property owners to purchase                   suspended unless the required
                                                end of the effective period of this
                                                                                                        Federal flood insurance that is not                   floodplain management measures are
                                                temporary deviation. This deviation
                                                                                                        otherwise generally available from                    met prior to the effective suspension
                                                from the operating regulations is
                                                                                                        private insurers. In return, communities              date. Since these notifications were
                                                authorized under 33 CFR 117.35.
                                                                                                        agree to adopt and administer local                   made, this final rule may take effect
                                                  Dated: April 20, 2017.                                floodplain management measures aimed                  within less than 30 days.
                                                Hal R. Pitts,                                           at protecting lives and new construction                 National Environmental Policy Act.
                                                Bridge Program Manager, Fifth Coast Guard               from future flooding. Section 1315 of                 FEMA has determined that the
                                                District.                                               the National Flood Insurance Act of                   community suspension(s) included in
                                                [FR Doc. 2017–08395 Filed 4–25–17; 8:45 am]             1968, as amended, 42 U.S.C. 4022,                     this rule is a non-discretionary action
                                                BILLING CODE 9110–04–P                                  prohibits the sale of NFIP flood                      and therefore the National
                                                                                                        insurance unless an appropriate public                Environmental Policy Act of 1969 (42
                                                                                                        body adopts adequate floodplain                       U.S.C. 4321 et seq.) does not apply.
                                                DEPARTMENT OF HOMELAND                                  management measures with effective                       Regulatory Flexibility Act. The
                                                SECURITY                                                enforcement measures. The                             Administrator has determined that this
                                                                                                        communities listed in this document no                rule is exempt from the requirements of
                                                Federal Emergency Management                            longer meet that statutory requirement                the Regulatory Flexibility Act because
                                                Agency                                                  for compliance with program                           the National Flood Insurance Act of
                                                                                                        regulations, 44 CFR part 59.                          1968, as amended, Section 1315, 42
                                                44 CFR Part 64                                          Accordingly, the communities will be                  U.S.C. 4022, prohibits flood insurance
                                                [Docket ID FEMA–2017–0002; Internal                     suspended on the effective date in the                coverage unless an appropriate public
                                                Agency Docket No. FEMA–8475]                            third column. As of that date, flood                  body adopts adequate floodplain
                                                                                                        insurance will no longer be available in              management measures with effective
                                                Suspension of Community Eligibility                     the community. We recognize that some                 enforcement measures. The
                                                AGENCY:  Federal Emergency                              of these communities may adopt and                    communities listed no longer comply
                                                Management Agency, DHS.                                 submit the required documentation of                  with the statutory requirements, and
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                                                ACTION: Final rule.                                     legally enforceable floodplain                        after the effective date, flood insurance
                                                                                                        management measures after this rule is                will no longer be available in the
                                                SUMMARY:  This rule identifies                          published but prior to the actual                     communities unless remedial action
                                                communities where the sale of flood                     suspension date. These communities                    takes place.
                                                insurance has been authorized under                     will not be suspended and will continue                  Regulatory Classification. This final
                                                the National Flood Insurance Program                    to be eligible for the sale of NFIP flood             rule is not a significant regulatory action
                                                (NFIP) that are scheduled for                           insurance. A notice withdrawing the                   under the criteria of section 3(f) of


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                                                                   Federal Register / Vol. 82, No. 79 / Wednesday, April 26, 2017 / Rules and Regulations                                                         19191

                                                Executive Order 12866 of September 30,                    information for purposes of the                          Authority: 42 U.S.C. 4001 et seq.;
                                                1993, Regulatory Planning and Review,                     Paperwork Reduction Act, 44 U.S.C.                     Reorganization Plan No. 3 of 1978, 3 CFR,
                                                58 FR 51735.                                              3501 et seq.                                           1978 Comp.; p. 329; E.O. 12127, 44 FR 19367,
                                                  Executive Order 13132, Federalism.                                                                             3 CFR, 1979 Comp.; p. 376.
                                                                                                          List of Subjects in 44 CFR Part 64
                                                This rule involves no policies that have                                                                         § 64.6    [Amended]
                                                federalism implications under Executive                     Flood insurance, Floodplains.
                                                Order 13132.                                                Accordingly, 44 CFR part 64 is                       ■ 2. The tables published under the
                                                  Executive Order 12988, Civil Justice                    amended as follows:                                    authority of § 64.6 are amended as
                                                Reform. This rule meets the applicable                    PART 64—[AMENDED]                                      follows:
                                                standards of Executive Order 12988.
                                                  Paperwork Reduction Act. This rule                      ■ 1. The authority citation for part 64
                                                does not involve any collection of                        continues to read as follows:

                                                                                                                                                                                                          Date certain
                                                                                                                                                                                                             federal
                                                                                                         Community          Effective date authorization/cancellation of     Current effective
                                                                 State and location                                                                                                                      assistance no
                                                                                                            No.                sale of flood insurance in community             map date                longer available
                                                                                                                                                                                                           in SFHAs

                                                                 Region V
                                                Minnesota:
                                                    Badger, City of, Roseau County ...........                  270412      April 22, 1975, Emerg; June 8, 1984, Reg;        April 19, 2017 ...         April 19, 2017.
                                                                                                                              April 19, 2017, Susp..
                                                     Chatfield, City of, Fillmore and Olmsted                   270125      April 15, 1982, Emerg; August 2, 1982,           ......do ...............       Do.
                                                       Counties.                                                              Reg; April 19, 2017, Susp..
                                                     Dover, City of, Olmsted County ............                270566      March 15, 1982, Emerg; April 15, 1982,           ......do ...............       Do.
                                                                                                                              Reg; April 19, 2017, Susp..
                                                     Eyota, City of, Olmsted County .............               270329      December 3, 1981, Emerg; December 15,            ......do ...............       Do.
                                                                                                                              1981, Reg; April 19, 2017, Susp..
                                                     Olmsted County, Unincorporated Areas                       270626      April 17, 1984, Emerg; May 19, 1981, Reg;        ......do ...............       Do.
                                                                                                                              April 19, 2017, Susp..
                                                     Oronoco, City of, Olmsted County ........                  270330      July 3, 1974, Emerg; November 4, 1981,           ......do ...............       Do.
                                                                                                                              Reg; April 19, 2017, Susp..
                                                     Pine Island, City of, Goodhue and                          270145      September 4, 1974, Emerg; March 2, 1981,         ......do ...............       Do.
                                                       Olmsted Counties.                                                      Reg; April 19, 2017, Susp..
                                                     Rochester, City of, Olmsted County ......                  275246      April 3, 1970, Emerg; March 26, 1971, Reg;       ......do ...............       Do.
                                                                                                                              April 19, 2017, Susp..
                                                     Roseau, City of, Roseau County ...........                 270414      April 26, 1974, Emerg; September 29,             ......do ...............       Do.
                                                                                                                              1978, Reg; April 19, 2017, Susp..
                                                     Roseau County, Unincorporated Areas                        270633      April 26, 1974, Emerg; January 2, 1980,          ......do ...............       Do.
                                                                                                                              Reg; April 19, 2017, Susp..
                                                     Stewartville, City of, Olmsted County ....                 270332      May 7, 1975, Emerg; September 2, 1982,           ......do ...............       Do.
                                                                                                                              Reg; April 19, 2017, Susp..
                                                    Warroad, City of, Lake Of The Woods                         270415      July 3, 1974, Emerg; December 4, 1979,           ......do ...............       Do.
                                                       and Roseau Counties.                                                   Reg; April 19, 2017, Susp..
                                                                Region VI
                                                Louisiana:
                                                    Baldwin, Town of, St. Mary Parish ........                  220193      April 23, 1973, Emerg; December 15, 1978,        ......do ...............       Do.
                                                                                                                              Reg; April 19, 2017, Susp..
                                                     St. Mary Parish, Unincorporated Areas                      220192      April 6, 1973, Emerg; September 3, 1980,         ......do ...............       Do.
                                                                                                                              Reg; April 19, 2017, Susp..
                                                   -do- =Ditto.
                                                   Code for reading third column: Emerg.—Emergency; Reg.—Regular; Susp.—Suspension.


                                                  Dated: April 13, 2017.                                  DEPARTMENT OF TRANSPORTATION                           SUMMARY:   The Office of the Secretary of
                                                Michael M. Grimm,                                                                                                Transportation is updating the
                                                Assistant Administrator for Mitigation,                   Office of the Secretary                                regulations that govern the organization
                                                Federal Insurance and Mitigation                                                                                 of DOT to clarify the responsibilities of
                                                Administration, Department of Homeland                    49 CFR Part 1                                          certain OST officials and their
                                                Security, Federal Emergency Management                                                                           relationships with senior leaders
                                                                                                          [Docket No. DOT–OST–2012–0123]                         throughout DOT. These updates will
                                                Agency.
                                                [FR Doc. 2017–08375 Filed 4–25–17; 8:45 am]               RIN 2105–AE64                                          ensure that heads of DOT operating
                                                BILLING CODE 9110–12–P
                                                                                                                                                                 administrations have the benefit of
                                                                                                          Organization and Delegation of Powers                  input from OST officials in carrying out
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                                                                                                          and Duties                                             their management responsibilities.
                                                                                                                                                                 DATES: Effective April 26, 2017.
                                                                                                          AGENCY:  Office of the Secretary (OST),
                                                                                                          U.S. Department of Transportation                      FOR FURTHER INFORMATION CONTACT:
                                                                                                          (DOT).                                                 Brett A. Jortland, Deputy Assistant
                                                                                                                                                                 General Counsel for Regulation, (202)
                                                                                                          ACTION: Final rule.
                                                                                                                                                                 366–9314.


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Document Created: 2017-04-26 03:15:43
Document Modified: 2017-04-26 03:15:43
CategoryRegulatory Information
CollectionFederal Register
sudoc ClassAE 2.7:
GS 4.107:
AE 2.106:
PublisherOffice of the Federal Register, National Archives and Records Administration
SectionRules and Regulations
ActionFinal rule.
DatesThe effective date of each community's scheduled suspension is the third date (``Susp.'') listed in the third column of the following tables.
ContactIf you want to determine whether a particular community was suspended on the suspension date or for further information, contact Patricia Suber, Federal Insurance and Mitigation Administration, Federal Emergency Management Agency, 400 C Street SW., Washington, DC 20472, (202) 646-4149.
FR Citation82 FR 19190 
CFR AssociatedFlood Insurance and Floodplains

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